Starke, FL · Cert 17734 · Regent Capital Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (10 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.40% | 1.50% | 1.67% | 1.58% | 0.28% | 0.80% | 0.84% | -83 bps | |
| Return on Equity | 7.94% | 8.05% | 8.12% | 9.00% | 8.45% | 1.50% | 4.21% | 4.40% | -460 bps | |
| Net Interest Margin | 5.79% | 5.80% | 5.33% | 5.47% | 5.57% | 0.89% | 4.77% | 4.53% | -93 bps | |
| Efficiency Ratio | 63.27% | 60.20% | 56.70% | 55.28% | 55.84% | 53.71% | 69.21% | 68.30% | +1,301 bps | |
| Non-Interest Burden | 3.66% | 3.47% | 3.04% | 3.03% | 3.11% | 0.45% | 3.20% | 3.04% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.08% | 3.23% | 4.45% | -7.06% | -1.30% | 22.50% | 22.59% | 19.73% | +2,679 bps | |
| Loan Growth (YoY) | 33.17% | 27.48% | 26.39% | 9.38% | 1.93% | 1.88% | 2.57% | 11.78% | +240 bps | |
| Deposit Growth (YoY) | 3.43% | 2.28% | 2.90% | -10.29% | -3.28% | 21.70% | 22.32% | 18.84% | +2,913 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.61% | 2.31% | 1.51% | 2.47% | 2.42% | 3.29% | 3.26% | 1.45% | -102 bps | |
| Net Charge-Offs / Loans | -0.28% | -0.10% | -0.01% | 0.04% | 0.03% | 0.02% | 0.13% | 0.10% | +6 bps | |
| Allowance / Loans | 1.53% | 1.53% | 1.56% | 1.63% | 1.68% | 3.68% | 3.62% | 1.76% | +13 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 1.0x | 0.7x | 0.7x | 1.1x | 1.1x | 1.2x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.47% | 15.78% | 15.44% | 15.64% | 16.80% | 16.01% | 16.39% | 15.32% | -32 bps | |
| Total Risk-Based Capital | 15.47% | 15.78% | 15.44% | 15.64% | 16.80% | 16.01% | 16.39% | 15.32% | -32 bps | |
| Equity / Assets | 17.66% | 18.23% | 18.71% | 18.75% | 19.02% | 18.91% | 18.91% | 19.32% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.71% | 56.72% | 56.86% | 52.28% | 51.34% | 47.49% | 47.69% | 49.18% | -310 bps | |
| Liquid Assets / Assets | 23.78% | 21.81% | 17.01% | 22.13% | 23.35% | 29.80% | 31.56% | 29.73% | +760 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 150.80% | 156.45% | 152.78% | n/a | n/a | |